Northern Virginia Attorney Howard A. Birmiel
A Respected Bankruptcy Lawyer
Call for a Free Consultation
Our law office helps you through your difficult time. We help individuals and families having serious financial difficulties. Filing for bankruptcy is a difficult decision, and we work closely with our clients to determine your best course of action for relief from overwhelming debt. We review your financial position and ask you some basic questions:
- Have you been unemployed for more than a few months?
- Has your vehicle been repossessed?
- Have you received a notice of foreclosure?
- Are you unable to pay your monthly bills on time?
Contact us today if you need legal assistance with any of the following:
- Bankruptcy
- Chapter 11 Bankruptcy
- Chapter 13 Bankruptcy
- Chapter 7 Bankruptcy
- Creditor Harassment
- Debt Relief
- Foreclosure
- Loan Modification
If you or a loved one needs the help of an experienced Burke, Virginia chapters 7 and 13 bankruptcy lawyer, call Howard Birmiel today at 703-891-0451, or complete the contact form provided on this site to arrange your free initial consultation.
Bankruptcy Law
Virginia Chapter 7 bankruptcy
You need an experienced attorney to help you file a Chapter 7 bankruptcy, also known as liquidation. The bankruptcy court gives control of your assets to a trustee, who sells them to pay back your creditors. In many liquidations, there are not enough assets to pay the creditors. Chapter 7 discharges those debts.
Exempt assets
Chapter 7 bankruptcy allows you to keep exempt assets. In Virginia, these include the following:
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Means test
To prove your eligibility for Chapter 7 bankruptcy, you must pass a means test which demonstrates you do not earn more than the Virginia median income:
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Our law practice helps you identify allowable deductions to help you pass the means test if you have trouble qualifying for Chapter 7 bankruptcy because your income is too high.
Virginia Chapter 13 bankruptcy
If you have a steady enough income that you can foresee the possibility of budgeting your way out of debt within three to five years, a Chapter 13 bankruptcy may be your best option. This type of filing is a structured repayment plan in which you promise to pay back your creditors on a timetable accepted by the bankruptcy court. You must meet basic financial criteria to qualify:
- Disposable income remaining after you pay the bare necessities
- No more than $1,010,650 in debt tied to property that could be repossessed
- No more than $336,900 in other debt
Choose an experienced bankruptcy lawyer in Northern Virginia -- Call 703-891-0451
Professional Profile
Call for a free consultation.
If you need residential or commercial real estate assistance call an experienced Burke, Virginia Bankruptcy lawyer, call Howard Birmiel today at 703-891-0451, or complete the contact form provided on this site to arrange your free initial consultation.
Attorney Howard A. Birmiel
Howard A. Birmiel earned his law degree from the University of Baltimore in 1975 and established himself as a well-known practitioner of real estate, small business, and bankruptcy law in Northern Virginia. On behalf of his many satisfied clients, Howard has appeared before numerous courts:
- District and Circuit Courts throughout Virginia
- U.S. Bankruptcy Court for the Eastern District of Virginia
- Virginia Supreme Court
Howard has been called upon to give expert testimony regarding consumer interests in real estate transactions before the following:
- Committees of Congress
- Department of Housing and Urban Development (HUD)
- Committees of the Virginia Legislature